ntc merely misspoke, i will provide another quote from a different speaker. this time in march of 2010. the proprietary training commercial banks was there but not central to the financial crisis. that speaker was paul volcker. don't get me wrong, as noted last year, trading practices can be a whale of a problem. volcker rule or the dodd-frank act supports to address. what much of the rule, it is a source of the problem. the fact is still the law of the land. and banks have long since accepted rules and its implications for business activities. i have been told by several firms that although these rules have yet to be finalized, they have taken significant steps to shut down the trading activities and in some cases have argued him so completely. as firms have looked to the text and bringing hedging into compliance, high-level staff continue to work behind closed doors to refine a rulemaking proposal that included a bipartisan group of six senators. as drafted, could adversely affect main street businesses by reducing market liquidity and increasing the cost o